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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country. Te Glenn Young Ganya, Niana,

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Speaker 1: Kaka Yahi and beIN ah Waka Nia and our gay

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Speaker 1: in Inbini, yakarum Jar Dominyagumika, Umaga, ithawaknitle Waman damind Immlan,

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Speaker 1: Wumba bang gadaboma In and now in Waka Ghana on

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Speaker 1: yakarum Jar water Nada. Now Hello, beautiful friends. We gather

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Speaker 1: on the lands of the abridge and people we thank,

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Speaker 1: acknowledge and respect the aberigion people's land that we're gathering

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Speaker 1: on today. Take pleasure in all the land and respect

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Speaker 1: all that you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money. Hello and welcome to She's on

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Speaker 3: the Money the podcast and makes personal finance fun is

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Speaker 3: especially on Fridays. It is our favorite day of the

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Speaker 3: week because we get the team together and we to

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Speaker 3: celebrate you the incredible She's on the Money community today,

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Speaker 3: it's just Beck and I, but don't worry. I will

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Speaker 3: still be sharing some of my favorite money wins. Beck

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Speaker 3: will be sharing her best Brook tips and will be

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Speaker 3: helping to answer that money dilemma from someone who's trying

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Speaker 3: to negotiate down a debt that has blown far beyond

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Speaker 3: the original amount and a DM that you slid into

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Speaker 3: an inbox about that asks question what is the best

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Speaker 3: way to set your kids up financially?

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Speaker 4: But before we get into it, we always like to

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Speaker 4: start the show with a five star review.

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Speaker 3: Have you got one today? Of course I do. This

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Speaker 3: one comes from the coordinator, Oh wonderful name, long time listener,

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Speaker 3: but finally coming to share. Since listening to the podcast,

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Speaker 3: I have bought my first home, bought an investment property,

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Speaker 3: created a share portfolio with the help of the investing masterclass,

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Speaker 3: and seen a financial advisor. I have learned so much

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Speaker 3: along the way from Victoria, Jess and Beck. For these

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Speaker 3: big goals that I had, there have been so many

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Speaker 3: other handy tips which have helped with super budgets and insurances.

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Speaker 3: I feel so content with where I am at and

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Speaker 3: I am so excited for the future. All Thanksanks to you,

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Speaker 3: and now I'm trying to educate others to do the same,

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Speaker 3: keep on doing what you're doing. Love you girls. That

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Speaker 3: is so nice. Sweet is that I'm good for you? Honestly,

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Speaker 3: that's incredible. Dream Queen, the Coordinator, The Coordinator. God, I

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Speaker 3: love it when you guys tell us what you've.

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Speaker 4: Done totally totally because you did that.

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Speaker 3: You know, like you took bits and.

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Speaker 4: Pieces from the world and you reign with it and

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Speaker 4: that's incredible.

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Speaker 3: Big snaps, Big snaps.

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Speaker 4: Okay, So it's that part of Friday Drinks where you

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Speaker 4: get to ask us one question you're dying to know.

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Speaker 4: It's my favorite part. It can be about literally anything.

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Speaker 4: This week's question comes from Katie, who wants to know

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Speaker 4: what was your first ever email address back in the day.

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Speaker 3: Oh, I remember this so vividly. I mean even my

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Speaker 3: first hotmail my MSN because I use that anymore. It

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Speaker 3: was major, underscore blonde or anything. I know. I feel

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Speaker 3: like I got a really good one correctly, like no numbers,

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Speaker 3: like nothing major blonde, and it like obviously we're because

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Speaker 3: I was very blonde when I was young. And I

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Speaker 3: also like was very like ditzy at the time. I

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Speaker 3: feel like, so it was just like very on brand

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Speaker 3: for me.

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Speaker 4: Yes, Oh my god, don't you hate when you have

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Speaker 4: a whole stereotype writing on the shoulders and you're like, well,

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Speaker 4: I can't be ditzy, but you were so mine was

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Speaker 4: I'm a big fan of NRL and I used to

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Speaker 4: go for the Warriors.

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Speaker 3: I mean I still do. I like, I love them all,

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Speaker 3: but my thing was.

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Speaker 4: Go Warriors Underscore spec NRL Spec was my nickname because

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Speaker 4: everyone called me beck All Spec. That's really cute and

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Speaker 4: as spec NRL is like, it's like, okay, we get it,

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Speaker 4: we get it with the Warriors part, and then I

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Speaker 4: put NRL at the end of the just in case

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Speaker 4: just in case at hotmail dot com.

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Speaker 3: That's brilliant, and so it's really.

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Speaker 4: Cringe and obviously, like obviously I was gay, you know,

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Speaker 4: it was like hot sexy chick. Course from there like that,

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Speaker 4: It's like I love hearing people, please leave yours?

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Speaker 3: Was you're a first email poppet in the comments on Spotify.

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Speaker 3: I had a really fun conversation with a friend of

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Speaker 3: mine recently. We've known each other in high school with

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Speaker 3: friends forever. She's living overseas at the moment, and I

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Speaker 3: was connecting her to somebody that I know, and I

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Speaker 3: said what's your email? And she said to me, I

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Speaker 3: had to make a new one because she has a doctorate.

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Speaker 3: She's just finished her doctorate. She's a thirty one year

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Speaker 3: old woman living overseas, like two time Olympian, achieving incredible things,

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Speaker 3: and she was still using her running nerd her life

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Speaker 3: she was. I was like, that doesn't fly. That's so funny.

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Speaker 3: That's so funny.

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Speaker 4: But I think someone like that can get away with it. Like,

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Speaker 4: if you are a doctor, is that the same thing

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Speaker 4: as a doctorate? No, yeah, she's now a doctor. That

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Speaker 4: is cool. Well, if you're a doctor, you can get

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Speaker 4: away with it. If you're anyone, you can get away

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Speaker 4: with it.

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Speaker 3: But just clean this stuff. It's like my favorite thing ever.

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Speaker 4: Okay, let's move on to the money wins in confessions,

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Speaker 4: if you.

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Speaker 3: Have, absolutely I do. First one that I have this

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Speaker 3: week comes from Miranda and she says a job I

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Speaker 3: wanted came up for application in the month before I

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Speaker 3: went on leave for my wedding and honeymoon. The team

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Speaker 3: rushed my interview for the day before I left, and

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Speaker 3: I was off at the role while I was away

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Speaker 3: on my honeymoon. Oh my god, that would be the

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Speaker 3: best feeling. And I feel like it's a really good

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Speaker 3: sign that the company were like happy to work with

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Speaker 3: you on that. I like they liked it as a candidate.

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Speaker 3: They're like, yes, like get it done, make it work,

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Speaker 3: whatever we've got to do. And what good news on

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Speaker 3: your honeymoon. How could it possibly get better getting a

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Speaker 3: new job? Congratulations? Next, I have money win from Kerry

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Speaker 3: who said money win. I bought my ex out of

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Speaker 3: the house and I am now a single homeowner. Wow,

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Speaker 3: that's gotta be a good feeling. Oh yeah. Next one

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Speaker 3: is from Anita, who said money win. I completed my

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Speaker 3: first juathlon yesterday and I won a gift card. Oh cool?

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Speaker 3: A jathlon? Jew athlon? I'm thinking like three legged race.

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Speaker 3: I don't know. Okay, let me look it up. I've

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Speaker 3: got to google it because I don't know. I know

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Speaker 3: a triathlon? Is it just one less of those?

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Speaker 4: Oh? Like a relay?

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Speaker 3: Like a triathlon is like the swim, the bike and

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Speaker 3: the Oh sorry, I understand, my god. Okay. A jewathlon

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Speaker 3: is a multi sport endurance event. Can sting of three? Okay,

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Speaker 3: so why they called douathlon If there's three legs, a run,

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Speaker 3: a bike ride, and a final run often referred to

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Speaker 3: as run bike run. Unlike triathlons, jaathlons replaced the swimming

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Speaker 3: leg with a second run, making them ideal for runers

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Speaker 3: and cyclists. Oh, I see, okay, that makes it. I

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Speaker 3: was like, YB three things, if called two things, okay

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Speaker 3: either way, I couldn't even do one of them. So

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Speaker 3: good on you, Anita. That's incredible. Next, I've wanted money

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Speaker 3: win from Angela, who said, I have been told we

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Speaker 3: can get a small bag of food from the community pantry.

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Speaker 3: I've been getting food every second day and it's really

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Speaker 3: been helping us out. Oh my god. I love the

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Speaker 3: idea of a community pantry. Y' same. I love those.

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Speaker 3: I think like such a good idea, whether it's one

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Speaker 3: that's run by a local council that you it sounds

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Speaker 3: like maybe you need to apply for, or whether it's

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Speaker 3: one where you can take as you need. I'm such

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Speaker 3: a big vat of that concept. I think it's incredible.

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Speaker 3: Me too, I love it. Next, I got a money

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Speaker 3: win from Gema, who said I went to see my

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Speaker 3: GP and she put me on a healthcare plane jewe

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Speaker 3: to my chronic illness. The appointment was then bulk build

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Speaker 3: and the other specialists I've been referred to will provide

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Speaker 3: a Medicare rebate when normally they wouldn't because I've been

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Speaker 3: put on this plan.

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Speaker 4: Right, Okay, that was a confusing one for me for

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Speaker 4: some reason. But I think I understand a lot of

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Speaker 4: specialist appointments can be out of pocket, Like it can

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Speaker 4: be very expensive when you're dealing with chronic health, even

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Speaker 4: like mental health stuff like you can often or neurodivergence, Like,

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Speaker 4: there's often a lot of out of pocket expenses for people.

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Speaker 4: But it sounds like Jemma's GP has put it on

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Speaker 4: a specific health care plan that they've like endorsed and

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Speaker 4: they're going to implement together. Yeah, so when you go

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Speaker 4: to see those specialists, it means that the appointments will

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Speaker 4: be covered by a rebate. Where if she just booked

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Speaker 4: herself in for those appointments herself, yeah, she would been

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Speaker 4: out of pocket. Got you got you, got you got

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Speaker 4: you got you go talk to your doctor's.

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Speaker 3: It's kind of done. See if you can get a plan.

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Speaker 3: Oh my god, that's so good, amazing and then lucky.

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Speaker 3: Last one I have this week is from Wanita who

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Speaker 3: said streamio I canceled my Netflix Prime and Disney subscriptions.

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Speaker 3: Moving Kia has been the best decision ever. I really

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Speaker 3: like streamo.

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Speaker 4: I've never used to you search for anything it's going

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Speaker 4: to be on there and something's like sure, maybe they're

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Speaker 4: not ready to be viewed yet. I mean those used

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Speaker 4: streamo stand that you check for how many people have

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Speaker 4: viewed it, and you know it's a good one. But

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Speaker 4: that's how I watch a lot of my.

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Speaker 3: Is this what we were talking about a few WEEKSGA When

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Speaker 3: you're like that, sometimes there's people like theater.

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Speaker 4: Yeah, sometimes I watched I tried to watch the roses

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Speaker 4: that were like filming in the theater, which is like

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Speaker 4: so funny.

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Speaker 3: I mean I did I you.

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Speaker 4: Know, bootlegging bad you know that stuff.

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Speaker 3: But I do understand.

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Speaker 4: But it's so funny when you're watching it and like

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Speaker 4: you can hear laughter in the background because you're someone

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Speaker 4: has been recording it live in it like a.

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Speaker 3: Built in laugh track.

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Speaker 4: Yeah exactly, and bringing back I say, so that's not

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Speaker 4: my breake tip.

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Speaker 3: Do you want to say it bled over? I did

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Speaker 3: tell me what you got? Okay.

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Speaker 4: So this person comes from Julia, who says, never ever

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Speaker 4: buy movie tickets full price if you are linked to

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Speaker 4: a bank, health insurance, or like RACV.

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Speaker 3: Just some examples.

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Speaker 4: They have movie tickets for most theaters for half the

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Speaker 4: price or even less. It's the only way I buy

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Speaker 4: them now.

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Speaker 3: Like, one of my favorite things to do is go

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Speaker 3: to the movies because it is it can be quite expensive.

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Speaker 4: It can be quite sens and it's just like it's

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Speaker 4: such a nice like mindful. If you watch it at home,

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Speaker 4: you gotta be checking your phone. Yeah, so I really

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Speaker 4: like that. That's great, think you, Julier. The next one

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Speaker 4: comes from Teresa, who says I always ask my library

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Speaker 4: to buy whatever books I want, and ninety nine percent

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Speaker 4: of the time they do. I've requested three books this

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Speaker 4: year for the kids, and they've all been bought. This

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Speaker 4: is also good for their funding because it shows a

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Speaker 4: utilized and requested resource for the community. That's such a

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Speaker 4: great idea, true, because like you can I mean not

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Speaker 4: that I like think it is not worth it, but

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Speaker 4: some books are really really expensive and you just don't

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Speaker 4: have the money for that. Then I think it's a

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Speaker 4: really great option you can at least ask, you.

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Speaker 3: Know what I mean. I'm the biggest fan of a library.

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Speaker 3: A lot of people told us when Victoria's books were

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Speaker 3: coming out when they were first being released, that they

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Speaker 3: had requested it their libraries.

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Speaker 4: Oh, pre order them or get them in, which is

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Speaker 4: really cool. The silent heroes of the world, they're like

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Speaker 4: the heart of the community.

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Speaker 3: Like true this day, like I grew up in libraries,

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Speaker 3: like I was such a library child, but like to

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Speaker 3: this day, like if my internet at home isn't working,

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Speaker 3: or if I'm just having a day where I'm like

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Speaker 3: I need to not be in the same spot. I

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Speaker 3: mean every day because I work from home, or there's

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Speaker 3: been like a few times where I've been driving home

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Speaker 3: from the studio and I need to do something quickly

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Speaker 3: before I got home. I will always shop at a library.

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Speaker 3: If it's on my local library. Like if I was

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Speaker 3: driving from here it's happened before and I needed to

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Speaker 3: urgently flick something to someone, I just search my nearest

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Speaker 3: library and when they're in dinner, they're the best. That

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Speaker 3: is so good. Yeah, I love a library.

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Speaker 4: My broke tip is called I have I know I've

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Speaker 4: mentioned before on the show, but it was a long

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Speaker 4: time ago, so I guess it's just like maybe a

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Speaker 4: reminder but also a check in because if you heard

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Speaker 4: this broke tip. Back in the day, you might think

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Speaker 4: did this work? Yes, So my broke tip is it's

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Speaker 4: an app called free Cash, which sounds really really dodgy

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Speaker 4: sound it's sounds so sketchy, but you download free Cash.

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Speaker 4: It's very similar to shot back Games. If anyone plays

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Speaker 4: shot back Games and you go on there, you'll see

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Speaker 4: all these these games on there.

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Speaker 3: That you can download.

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Speaker 4: Something like a lot of them say like win up

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Speaker 4: to one thousand dollars, and like, sure, it actually is possible.

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Speaker 4: But I just wanted to update everyone I have been playing.

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Speaker 4: I kind of stopped there for a while. They started

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Speaker 4: playing again, and I just won like seventy two bucks.

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Speaker 4: Oh I'm not working right now. If you have a lot,

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Speaker 4: a lot of time on your hands, then you really

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Speaker 4: can make some coin.

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Speaker 3: You know what kind of game, Like is it a

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Speaker 3: mindless game? Well, I'm playing Disney Solitaire right now, which

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Speaker 3: I actually really fun.

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Speaker 4: It's really fun and it's really it actually gets really

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Speaker 4: really hard, so it's very time consuming. But if you

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Speaker 4: have the time, you really can make some money.

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Speaker 3: Right now.

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Speaker 4: I've got there's a fifty five hour timer going and

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Speaker 4: I have to just get up to a certain level

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Speaker 4: and I'm gonna win one hundred and sixty seven dollars.

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Speaker 3: Yeah.

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Speaker 4: Sorry, I'm trying to figure out how they made money.

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Speaker 4: It's like Googles googling it today, like is it legit? Yes,

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Speaker 4: it's legit.

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Speaker 3: How do they make money? They if they're ads.

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Speaker 4: There are ads in some apps, some of the game apps,

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Speaker 4: but not on free Cash, And so I think making

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Speaker 4: money the games make money through ads, and I think

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Speaker 4: that they give money to free cash. We get a

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Speaker 4: percentage of that money that free cash get.

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Speaker 3: Why are they paying free cash?

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Speaker 4: I guess because it's like, well, because there are some

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Speaker 4: apps on here that I would never have thought to download.

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Speaker 3: Oh like boosts them up.

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Speaker 4: Yeah, and so like so many people downloading these apps,

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Speaker 4: probably so many more people are seeing these ads. Also,

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Speaker 4: there probably are a lot of people. Luckily I have

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Speaker 4: I'm playing this with a friend, not together in the

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Speaker 4: same account, but we just have a deal where we

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Speaker 4: aren't allowed to spend any money in these apps because

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Speaker 4: it is very tempting. So I imagine that's how probably

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Speaker 4: how they get some Oh you can spend money.

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Speaker 3: You spend money to like get ahead. Do not do that.

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Speaker 4: You live your own life, but you should try and

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Speaker 4: avoid those things because it's like you can get ahead,

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Speaker 4: don't buy.

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Speaker 3: Don't like the roadblocks of it. All I got like

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Speaker 3: young nieces like, yes, don't spend real money on fake things. Yes,

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Speaker 3: that's all I'm saying.

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Speaker 4: Exactly exactly, so don't do that. But I'm assuming that's

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Speaker 4: how they make their money from people buying and also ads.

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Speaker 4: You know, I mean, it sounds like you're doing pretty

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Speaker 4: well off it, so pretty well that's me. But I

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Speaker 4: think it's a really good time to go for a break.

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Speaker 4: I want to check my Disney celer Ti and when

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Speaker 4: we come back, we'll be helping to answer money dilemma

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Speaker 4: from someone trying to negotiate down a debt that has

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Speaker 4: blown out far beyond the original amount and a DM

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Speaker 4: that you slid into our inbox about asking what is

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Speaker 4: the best way to set your kids up financially?

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Speaker 3: You don't go anywhere. Welcome back, everybody. Let's take a

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Speaker 3: listen to this week's money dilemma.

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Speaker 5: Hi, there, have you got a money dilemma you just

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Speaker 5: can't solve the She's on the Money team is here

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Speaker 5: to help. Every week, we tackle your dilemmas, both big

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Speaker 5: and small, to answer your most burning money, career and

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Speaker 5: life questions. To get involved, simply head to our website

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Speaker 5: and leave us a short voice recording and you might

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Speaker 5: just find yourself on the show. Now, let's take a

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Speaker 5: listen to this week's money dilemma.

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Speaker 2: Hi Shees on the Money Love the Podcast. I have

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Speaker 2: a bit of a unique situation. Over time, I've accumulated

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Speaker 2: told debt, so driving on the road toll debt. My

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Speaker 2: actual debt is fourteen thousand dollars, which I know sounds astronomical. However,

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Speaker 2: the administration fees are currently forty thousand dollars. I'm trying

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Speaker 2: to negotiate to bring them down. However, I'm not having

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Speaker 2: much luck, so there's a chance that this might move

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Speaker 2: forward into litigation. Any feedback or thoughts or have you

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Speaker 2: heard of anybody else in this situation where it worked out?

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Speaker 2: Thank you.

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Speaker 3: I'm so sorry. This sounds extremely stressful. I can't really

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Speaker 3: fathom how you got to fourteen thousand dollars in road

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Speaker 3: toll debt, because even if you're paying twenty dollars a

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Speaker 3: day and told, which is kind of like the max

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Speaker 3: you would hit ish in Melbourne, I would say if

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Speaker 3: you went back and forth through a tunnal twice in

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Speaker 3: a day. Oh you know what, let's call it thirty

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Speaker 3: dollars a day, right, Yeah, thirty dollars a day by

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Speaker 3: like what is fourteen thousand divide away thirty? This is

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Speaker 3: the thing I'm thinking because I four hundred and sixty

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Speaker 3: six assuming thirty dollars a day in tolls, four hundred

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Speaker 3: and sixty six days if driving through a toll and

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Speaker 3: not paying for it. But I guess it's the late fees.

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Speaker 3: But then is that separate that's the forty thousand.

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Speaker 4: Well, so, I because I've been in the situation, I'm

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Speaker 4: currently in a situation. I'm always in the situation. When

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Speaker 4: I was in Sydney, Yes, there were administration fees, like

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Speaker 4: there were sometimes where like the toll was a dollar

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Speaker 4: twenty and then the administration fee was like eighteen dollars

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Speaker 4: and so and so that's not shocking. Like as we

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Speaker 4: were listening, I was really just like nodding, like that

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Speaker 4: does not shock me. And it is like criminal, it's criminal.

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Speaker 4: And I think that it depends on the toll in

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Speaker 4: the road, and I understand like administration fees and stuff

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Speaker 4: like that, but it just doesn't need to be that expensive.

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Speaker 4: So I can't give advice on how to negotiate, but

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Speaker 4: I can tell you that.

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Speaker 3: It worked for me.

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Speaker 4: And I kind of was just like, well, I'll be

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Speaker 4: paying it, not the whole mount, but I'll be paying

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Speaker 4: it slowly. I'll be paying it at least a chunk

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Speaker 4: right now if you just get rid of the administration fees,

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Speaker 4: because they really just want the money as soon as possible.

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Speaker 4: And I think that kind of going about it this way,

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Speaker 4: where it's like, yes, I can, I can pay in

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Speaker 4: this way, but there's do not pay the administration fees

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Speaker 4: like that is insane.

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Speaker 3: One way that it for me.

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Speaker 4: If I logged on, say like EastLink right now chased

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Speaker 4: me for a long time, and first it's an invoice

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Speaker 4: and then it goes to like finds Victoria. I think,

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Speaker 4: I know it's different in different states, and then it'll

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Speaker 4: turn to an actual fine, which is like one hundred

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Speaker 4: and sixty dollars or something like that. So that's when

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Speaker 4: I turn it into a payment plan. So I ignore

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Speaker 4: Slink until that point. But if you are logging on

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Speaker 4: and then sometimes and I think that maybe this is linked,

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Speaker 4: if you log on and you click there's some sort

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Speaker 4: of option where you can transfer to your linked account

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Speaker 4: and then all the administration fees go. And I assume

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Speaker 4: you're beyond that point, but that is an option if

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Speaker 4: anyone who's listening and that's something that you can use.

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Speaker 4: You can be like, well, if I have an account

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Speaker 4: and I just move all the tolls to that account,

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Speaker 4: then all my administration fees should be gone. I don't

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Speaker 4: know how you're negotiating or if you're talking to, but

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Speaker 4: there are several ways to remove the administration fee before

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Speaker 4: you pay anything. And I'm like, why are they now

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Speaker 4: all of a sudden being like there's nothing you can

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Speaker 4: do about it.

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Speaker 3: No, there absolutely should be, you know, I'm assuming they're

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Speaker 3: threatening litigate that it's gone to a debt collector. Would

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Speaker 3: be my best guess. Have you spoken to them about

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Speaker 3: a payment plan? Would be my first port of call.

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Speaker 3: Exactly as you were saying, Beck, I think that unless

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Speaker 3: you happen to have a spare fifty four thousand dollars

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Speaker 3: going around, I guessing you don't. You can also, if

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Speaker 3: you haven't tried this in your negotiation process, say okay,

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Speaker 3: well I have X amounting cash, will you take that today?

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Speaker 3: Because we've spoken on the show before about how sometimes

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Speaker 3: when you just offer them a cash some, they'll take it.

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Speaker 3: I think especially if your cash some covers whatever the

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Speaker 3: original costs of the tolls were, they might just cut

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Speaker 3: their losses and take that. I would also say definitely

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Speaker 3: get in touch with the National Debt Helpline. I think

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Speaker 3: they are resourced exactly for this kind of thing. They

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Speaker 3: are a free national service. We've spoken about them so

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Speaker 3: many times before. They have trained financial counselors who deal

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Speaker 3: with debt day in and day out, so they will

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Speaker 3: be able to tell you what your best process forward is.

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Speaker 3: They might even be able to assist you by connecting

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Speaker 3: you with someone who can negotiate on your behalf or

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Speaker 3: give you a script of things to discuss. There's also

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Speaker 3: hardship options usually as well, so most tole operators in

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Speaker 3: Australia have hardship programs designed for people who have fallen

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Speaker 3: behind on their toll payments. If you're struggling to pay,

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Speaker 3: I definitely would speak to them directly. I think you

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Speaker 3: might need to use a few keywords, so saying things

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Speaker 3: like I am experiencing financial hardship, what kind of programs

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Speaker 3: do you have to assist me? That kind of language

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Speaker 3: can often help. But again, if it's been referred to

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Speaker 3: a debt collector or you can call the toll company directly.

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Speaker 3: So I don't necessarily know that a debt collect would

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Speaker 3: be able to assist you with that, but if you

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Speaker 3: call them, they should have some kind of program or

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Speaker 3: something in place, Like, you're not the first person to

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Speaker 3: ever find themselves in this situation, and I'm imagining you're

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Speaker 3: beyond stress, feeling like this is just such a hole

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Speaker 3: of a pit. And I totally understand a little word

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Speaker 3: of advice for anybody in future, just using this as

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Speaker 3: a vehicle is like things can get bad if you

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Speaker 3: neglect them, And so if you are experiencing financial hardship,

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Speaker 3: I would really strongly recommend people don't bury their head

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Speaker 3: in their sand. You know, if you can get on

435
00:19:00,280 --> 00:19:01,960
Speaker 3: top of things a little bit earlier, it can help

436
00:19:02,160 --> 00:19:05,800
Speaker 3: stop them from smiraling in this way. Obviously, our listener

437
00:19:05,920 --> 00:19:08,080
Speaker 3: is in the position she's in and like, all we

438
00:19:08,119 --> 00:19:09,520
Speaker 3: want to do is now I help you out of that.

439
00:19:09,800 --> 00:19:11,640
Speaker 3: But if you're someone listening who's a little bit like Beck,

440
00:19:11,640 --> 00:19:13,040
Speaker 3: and you're like, oh, I just ignore it and deal

441
00:19:13,119 --> 00:19:16,200
Speaker 3: gates to wherever are there processes we can put into

442
00:19:16,200 --> 00:19:18,840
Speaker 3: place to avoid this. Are their options that mean you

443
00:19:18,840 --> 00:19:20,520
Speaker 3: don't have to take the toll Things like that, I

444
00:19:20,520 --> 00:19:24,440
Speaker 3: would just take a second to consider, because, like I

445
00:19:24,480 --> 00:19:27,479
Speaker 3: hope more than anything that we can find a solution

446
00:19:27,560 --> 00:19:29,280
Speaker 3: for you, and I think the National Debt Helpline is

447
00:19:29,320 --> 00:19:32,199
Speaker 3: probably your best port of call for that. But I

448
00:19:32,200 --> 00:19:33,960
Speaker 3: would be lying if I didn't say there is a

449
00:19:34,119 --> 00:19:37,400
Speaker 3: very real possibility that they dig their heels in and say, well,

450
00:19:37,400 --> 00:19:39,800
Speaker 3: you owe us fifty four thousand dollars, And that's not

451
00:19:39,800 --> 00:19:41,800
Speaker 3: a position that I would wish on anybody. So I

452
00:19:41,840 --> 00:19:44,000
Speaker 3: would be saying, get in touch with the National Debt Helpline.

453
00:19:44,000 --> 00:19:46,040
Speaker 3: We will put their contact information in the show notes.

454
00:19:46,240 --> 00:19:49,399
Speaker 3: They are absolutely beautiful, judgment free. They will run you

455
00:19:49,440 --> 00:19:52,840
Speaker 3: through any options that they know of. Otherwise, I think, yeah,

456
00:19:52,960 --> 00:19:54,880
Speaker 3: make sure that when you are talking to people using

457
00:19:54,920 --> 00:19:58,080
Speaker 3: those buzzwords, you know I'm experiencing financial hardship, do you

458
00:19:58,119 --> 00:20:00,359
Speaker 3: offer payment plans to do? Offer these things? And if

459
00:20:00,400 --> 00:20:02,520
Speaker 3: you have been referred to a debt collector, know that

460
00:20:02,560 --> 00:20:04,919
Speaker 3: you can still go to the original toll company to

461
00:20:05,000 --> 00:20:07,840
Speaker 3: have those negotiations. You know, I'm a big fan of

462
00:20:07,840 --> 00:20:11,199
Speaker 3: you can always escalate things. I think debt collectors are

463
00:20:11,200 --> 00:20:14,040
Speaker 3: paid a percentage of what they collect, and so if

464
00:20:14,080 --> 00:20:16,000
Speaker 3: you can then take that money back to the original

465
00:20:16,040 --> 00:20:18,520
Speaker 3: toll company, or if the person that you're dealing with

466
00:20:18,600 --> 00:20:20,960
Speaker 3: is quite aggressive, like you said, you're not getting anywhere,

467
00:20:21,520 --> 00:20:23,680
Speaker 3: can you ask to speak to a manager like not

468
00:20:23,720 --> 00:20:27,320
Speaker 3: to be a Karen, but sometimes taking things a step

469
00:20:27,359 --> 00:20:31,560
Speaker 3: further speaking to somebody different can work for you. So

470
00:20:31,960 --> 00:20:34,560
Speaker 3: I'm really sorry that you're experiencing this, but there are

471
00:20:34,600 --> 00:20:36,800
Speaker 3: options out there, and I'm keeping my fingers and my

472
00:20:36,840 --> 00:20:39,400
Speaker 3: toes cross, so please keep us posted. We can get

473
00:20:39,400 --> 00:20:41,760
Speaker 3: that paid down for you, hopefully at a much smaller sum.

474
00:20:42,040 --> 00:20:46,280
Speaker 4: Yes, hopefully. Should we get into the juicy dim absolutely so.

475
00:20:46,359 --> 00:20:49,600
Speaker 4: This week's one says this high shoes on the money.

476
00:20:49,840 --> 00:20:52,159
Speaker 4: I'm a single mum and I've never set aside savings

477
00:20:52,240 --> 00:20:55,000
Speaker 4: or investments for my kids for when they're adults. I've

478
00:20:55,040 --> 00:20:55,920
Speaker 4: been getting.

479
00:20:55,720 --> 00:20:58,680
Speaker 3: Mixed reactions about that. I didn't grow up with parents

480
00:20:58,720 --> 00:21:01,720
Speaker 3: who gave me financial help either. Instead, they taught me

481
00:21:01,760 --> 00:21:04,239
Speaker 3: about money, encouraged me to build my own life, and

482
00:21:04,280 --> 00:21:07,720
Speaker 3: supported me in practical ways like helping with childcare. My

483
00:21:07,840 --> 00:21:09,960
Speaker 3: plan has always been to do the same for my kids.

484
00:21:10,440 --> 00:21:12,800
Speaker 3: At the same time, I'm still working on getting myself

485
00:21:12,840 --> 00:21:16,200
Speaker 3: into a really strong financial position too. Is it actually

486
00:21:16,240 --> 00:21:18,560
Speaker 3: that common for parents to have savings set aside for

487
00:21:18,600 --> 00:21:21,920
Speaker 3: their kids when they become adults. I had never had.

488
00:21:22,480 --> 00:21:25,680
Speaker 4: My mom didn't do that, but I mean I have

489
00:21:25,760 --> 00:21:26,919
Speaker 4: heard of it, but I don't think.

490
00:21:26,760 --> 00:21:29,000
Speaker 3: It's that common, right. I Mean, we talk a lot

491
00:21:29,040 --> 00:21:31,480
Speaker 3: on the show about wanting to be able to set

492
00:21:31,520 --> 00:21:34,080
Speaker 3: your kids up financially, whether that's investing for them now

493
00:21:34,160 --> 00:21:35,960
Speaker 3: so they've got a lump some that they come into later.

494
00:21:36,000 --> 00:21:38,920
Speaker 3: I think it's probably a more and more popular conversations

495
00:21:38,960 --> 00:21:40,800
Speaker 3: coming around. I think it's also worth acknowledging that it

496
00:21:40,880 --> 00:21:43,080
Speaker 3: comes in different forms. Some people have their parents pay

497
00:21:43,080 --> 00:21:46,080
Speaker 3: their university fees, or some people have their parents purchase

498
00:21:46,119 --> 00:21:48,680
Speaker 3: their first car or contribute towards their first house deposit,

499
00:21:49,119 --> 00:21:52,159
Speaker 3: so that financial aid can come in lots of different variations,

500
00:21:52,160 --> 00:21:56,720
Speaker 3: not necessarily just cash or investments handed over as.

501
00:21:56,560 --> 00:22:01,000
Speaker 4: Are it's worth even for yourself, maybe having a little

502
00:22:01,040 --> 00:22:04,159
Speaker 4: bit put aside that you can like quote unquote be

503
00:22:04,280 --> 00:22:07,040
Speaker 4: saving for your children in case they are in a

504
00:22:07,080 --> 00:22:10,919
Speaker 4: situation where they're not working, they may be redundant like right now,

505
00:22:11,000 --> 00:22:13,520
Speaker 4: would be a really ideal time for them to be like, oh,

506
00:22:13,520 --> 00:22:14,840
Speaker 4: I actually save for you this whole time, and I

507
00:22:14,880 --> 00:22:16,560
Speaker 4: feel just tell you or like I've just been saving

508
00:22:16,560 --> 00:22:18,320
Speaker 4: it for a really really really bad time. And so

509
00:22:18,560 --> 00:22:20,320
Speaker 4: something like that where it's like you don't tell your children,

510
00:22:20,320 --> 00:22:23,240
Speaker 4: you can still teach them how to create their own

511
00:22:23,280 --> 00:22:25,120
Speaker 4: wealth and be independent and all these kind of things,

512
00:22:25,119 --> 00:22:27,200
Speaker 4: which I think is extremely valuable. And I think that's

513
00:22:27,440 --> 00:22:30,120
Speaker 4: amazing that you're doing that because you don't want them

514
00:22:30,160 --> 00:22:32,280
Speaker 4: to even have the I mean, it depends on the

515
00:22:32,280 --> 00:22:35,399
Speaker 4: person the knowledge like oh, there is a safety blanket here,

516
00:22:35,440 --> 00:22:36,920
Speaker 4: so I can kind of just like be a bit

517
00:22:36,960 --> 00:22:39,520
Speaker 4: reckless because then that will help them like problem solve

518
00:22:39,520 --> 00:22:41,240
Speaker 4: and all this kind of stuff. So I think it's

519
00:22:41,280 --> 00:22:43,560
Speaker 4: really cool we are doing but for your own sake.

520
00:22:44,040 --> 00:22:46,199
Speaker 4: If you did want to like help buy them a

521
00:22:46,240 --> 00:22:49,719
Speaker 4: car in the future, it could be your own savings

522
00:22:50,080 --> 00:22:53,480
Speaker 4: for when you want to chip in for them, and

523
00:22:53,600 --> 00:22:55,960
Speaker 4: it's not just coming directly out of your own savings,

524
00:22:56,000 --> 00:22:58,520
Speaker 4: you know. So it's just like I'm thinking, it's like

525
00:22:58,560 --> 00:23:01,600
Speaker 4: a separate saver, so you have one for like gift

526
00:23:01,640 --> 00:23:04,720
Speaker 4: giving or a holiday, and it just feels like even

527
00:23:04,760 --> 00:23:06,840
Speaker 4: though it's still your money, and you've put the money

528
00:23:06,840 --> 00:23:10,080
Speaker 4: in there. Using that money for what its intended purposes

529
00:23:10,240 --> 00:23:11,720
Speaker 4: feels a little bit better. So I feel like, this

530
00:23:11,800 --> 00:23:13,920
Speaker 4: is a savings account for the kids, but it's only

531
00:23:13,920 --> 00:23:16,600
Speaker 4: for when I need to chip in for something for

532
00:23:16,680 --> 00:23:17,440
Speaker 4: the kids.

533
00:23:17,200 --> 00:23:17,840
Speaker 3: You know what I mean.

534
00:23:18,280 --> 00:23:20,040
Speaker 4: And then if they are ever down on their luck

535
00:23:20,119 --> 00:23:22,679
Speaker 4: or they just really really need money for whatever reason,

536
00:23:22,960 --> 00:23:25,000
Speaker 4: and you're like, I'll loan you five thousand dollars. It's

537
00:23:25,040 --> 00:23:27,120
Speaker 4: from that account, you know. So I don't think it's

538
00:23:27,160 --> 00:23:32,480
Speaker 4: like necessary. Maybe it's good, it's good to have, but

539
00:23:32,800 --> 00:23:35,800
Speaker 4: I don't think it's super common, maybe especially for like

540
00:23:35,800 --> 00:23:37,320
Speaker 4: maybe our parents' generation.

541
00:23:37,520 --> 00:23:39,399
Speaker 3: Yeah, you shouldn't feel bad. No one should be making

542
00:23:39,400 --> 00:23:41,080
Speaker 3: you feel bad for not doing that. I feel like

543
00:23:41,080 --> 00:23:43,200
Speaker 3: there's a lot of conversation about it now that didn't

544
00:23:43,200 --> 00:23:46,040
Speaker 3: exist exactly as you said, in our parents' generation. I think, like,

545
00:23:46,400 --> 00:23:48,880
Speaker 3: if I think about my own family, financial literacy isn't

546
00:23:48,880 --> 00:23:52,639
Speaker 3: necessarily something that was very prolific, and so it's like

547
00:23:52,760 --> 00:23:54,639
Speaker 3: everybody's doing the best that they can with what they have.

548
00:23:55,320 --> 00:23:58,720
Speaker 3: I have not and have never operated on the assumption

549
00:23:58,840 --> 00:24:01,359
Speaker 3: it's similar to inheritance. Like I've always lived my life,

550
00:24:01,359 --> 00:24:03,399
Speaker 3: planned my life on the assumption though, if I was

551
00:24:03,440 --> 00:24:06,840
Speaker 3: to receive something, obviously that would be wonderful, lovely. But

552
00:24:07,680 --> 00:24:10,600
Speaker 3: I've always been very independent financially and otherwise, and so

553
00:24:10,920 --> 00:24:12,960
Speaker 3: that's never been a part of my journey. I think

554
00:24:13,040 --> 00:24:16,760
Speaker 3: that as financial literacy becomes a lot more common, it

555
00:24:16,920 --> 00:24:19,000
Speaker 3: is something that more and more people think about. If

556
00:24:19,040 --> 00:24:20,800
Speaker 3: I was to have kids, I would want to have

557
00:24:21,080 --> 00:24:23,200
Speaker 3: funds aside, you know. I mean I would love to

558
00:24:23,240 --> 00:24:27,600
Speaker 3: be able to contribute to education or a house or

559
00:24:27,640 --> 00:24:30,159
Speaker 3: something like that. I think, by the same breath, I

560
00:24:30,160 --> 00:24:32,359
Speaker 3: think like all the things that our listener is talking about,

561
00:24:32,480 --> 00:24:36,240
Speaker 3: providing financial literacy and education and making sure they understand

562
00:24:36,280 --> 00:24:39,480
Speaker 3: the value of a dollar are just as important of

563
00:24:39,960 --> 00:24:41,399
Speaker 3: things like yeah, you know, I think it would be

564
00:24:41,480 --> 00:24:43,760
Speaker 3: one thing if you said, oh, I've got the money

565
00:24:43,800 --> 00:24:45,720
Speaker 3: spare and I just don't really want to give it

566
00:24:45,760 --> 00:24:48,720
Speaker 3: to them. I mean, it is still your choice to make. Yeah,

567
00:24:48,720 --> 00:24:52,240
Speaker 3: I think, especially because they've said, well, I also am

568
00:24:52,280 --> 00:24:55,640
Speaker 3: still getting myself sorted on a financial quality. You can't

569
00:24:55,640 --> 00:24:58,800
Speaker 3: pour for an empty cup, you can't fund a lifestyle

570
00:24:58,920 --> 00:25:01,000
Speaker 3: if you don't have the funds to so. I think

571
00:25:01,040 --> 00:25:04,440
Speaker 3: getting your house sorted is the most important thing. If

572
00:25:04,440 --> 00:25:06,560
Speaker 3: you do get to a place where you can start

573
00:25:06,600 --> 00:25:09,080
Speaker 3: popping a little money. Even in investing, we talk about

574
00:25:09,080 --> 00:25:12,320
Speaker 3: investing a lot because you know, the projected return on

575
00:25:12,400 --> 00:25:15,320
Speaker 3: something like that is so fantastic if you invest twenty

576
00:25:15,400 --> 00:25:17,520
Speaker 3: dollars a month or fifty dollars a month or whatever

577
00:25:17,520 --> 00:25:19,520
Speaker 3: that looks. Even if you just invest, you know, for

578
00:25:19,560 --> 00:25:22,359
Speaker 3: birthdays and Christmases and family gives them money and you

579
00:25:22,400 --> 00:25:24,320
Speaker 3: invest that on their behalf because they can't do that,

580
00:25:24,359 --> 00:25:27,520
Speaker 3: Like a three year old doesn't understand saving or investing

581
00:25:27,600 --> 00:25:29,320
Speaker 3: or any of those concepts. So I think there is

582
00:25:29,359 --> 00:25:33,040
Speaker 3: something to be said for giving them advantage of time

583
00:25:33,400 --> 00:25:36,520
Speaker 3: that they can't take advantage of themselves. So true, we

584
00:25:36,560 --> 00:25:38,680
Speaker 3: all wish we'd invested sooner. Yeah, I wish I started

585
00:25:38,680 --> 00:25:40,720
Speaker 3: ten years ago. I wish my mum had started thirty

586
00:25:40,760 --> 00:25:43,919
Speaker 3: years ago. But like hindsight's twenty twenty, Like, if you

587
00:25:44,000 --> 00:25:47,720
Speaker 3: can take advantage of those things, fantastic, But if you're

588
00:25:47,720 --> 00:25:50,800
Speaker 3: not in the position to do so, or if it's

589
00:25:50,840 --> 00:25:52,440
Speaker 3: not a choice that you want to make, I don't

590
00:25:52,480 --> 00:25:55,440
Speaker 3: think that that's wrong. Yeah, I think it's a nice

591
00:25:55,480 --> 00:25:57,480
Speaker 3: to have. Like I don't you're in Like I look

592
00:25:57,520 --> 00:25:59,679
Speaker 3: at us, we've never received anything. We've birth come out

593
00:25:59,720 --> 00:26:02,920
Speaker 3: as pretty decently adjusted human beings. So I don't think

594
00:26:02,920 --> 00:26:04,280
Speaker 3: it's a bad thing. I don't think it's a negative.

595
00:26:04,320 --> 00:26:06,320
Speaker 3: I just think there probably is a lot more conversation.

596
00:26:06,400 --> 00:26:09,280
Speaker 3: That's probably where the surprise that they're receiving from, you know,

597
00:26:09,320 --> 00:26:11,800
Speaker 3: other people is coming from. So we took to Instagram,

598
00:26:11,840 --> 00:26:13,879
Speaker 3: and of course we asked you guys a couple of questions. Firstly,

599
00:26:13,920 --> 00:26:16,560
Speaker 3: we said, did your parents give you a large amount

600
00:26:16,600 --> 00:26:20,040
Speaker 3: of savings or investments when you reach adulthood? Eight percent

601
00:26:20,040 --> 00:26:23,040
Speaker 3: of people says yes, I got a lump sum. Forty

602
00:26:23,040 --> 00:26:25,320
Speaker 3: two percent of people said they helped here and there

603
00:26:25,400 --> 00:26:28,399
Speaker 3: when needed, and forty nine percent of people said no,

604
00:26:28,560 --> 00:26:30,960
Speaker 3: I didn't get any financial help. Wow, did you do it?

605
00:26:31,000 --> 00:26:35,160
Speaker 4: That's very like comforting for some reason, it's kind of like, Wow,

606
00:26:35,200 --> 00:26:37,560
Speaker 4: we are all trying to do the best we can.

607
00:26:37,720 --> 00:26:40,480
Speaker 3: We're all just tucking through truly. Next, we said, what

608
00:26:40,520 --> 00:26:42,040
Speaker 3: do you think is more important for a parent to

609
00:26:42,040 --> 00:26:45,280
Speaker 3: give their kids. Five percent of people said monetary help

610
00:26:45,359 --> 00:26:49,520
Speaker 3: and ninety five percent of people said financial literacy. Yes,

611
00:26:50,160 --> 00:26:52,400
Speaker 3: And then of course we said what is your two cents?

612
00:26:52,480 --> 00:26:55,359
Speaker 3: So one person said, of those that I know who've

613
00:26:55,359 --> 00:26:57,480
Speaker 3: got financial help, they seem to be the ones that

614
00:26:57,600 --> 00:27:00,560
Speaker 3: lack financial literacy. And it's actually something I didn't touch

615
00:27:00,560 --> 00:27:03,200
Speaker 3: on before. But I guess the concept of a leg

616
00:27:03,280 --> 00:27:07,399
Speaker 3: up financially stereotypically hails back to almost the idea of

617
00:27:07,440 --> 00:27:10,679
Speaker 3: a trust fund. Yeah, a trust fund kid, like you

618
00:27:10,720 --> 00:27:13,480
Speaker 3: were saying, has a safety in it, doesn't care dada da.

619
00:27:13,520 --> 00:27:15,399
Speaker 3: I do think if you were going to put money aside,

620
00:27:15,400 --> 00:27:18,600
Speaker 3: there is something in doing it quietly, maybe not letting

621
00:27:18,600 --> 00:27:21,600
Speaker 3: them know that that exists, yes, I agree, or making

622
00:27:21,600 --> 00:27:24,280
Speaker 3: sure that you are coupling it with financial literacy, because

623
00:27:24,280 --> 00:27:26,399
Speaker 3: you never want to raise a child that then becomes

624
00:27:26,440 --> 00:27:29,560
Speaker 3: an adult who can't be self sufficient or is always

625
00:27:29,600 --> 00:27:31,840
Speaker 3: going to be coming back to you for assistance. That's

626
00:27:31,840 --> 00:27:34,280
Speaker 3: so true. Somebody else said this is a two parter.

627
00:27:34,760 --> 00:27:37,600
Speaker 3: I got money help and wish I'd got an educational help.

628
00:27:37,640 --> 00:27:40,960
Speaker 3: To be honest, my parents raised me to be dependent.

629
00:27:41,119 --> 00:27:45,040
Speaker 3: I definitely would have preferred to have been financially literate. Yeah, okay.

630
00:27:45,680 --> 00:27:48,479
Speaker 3: Somebody on the other side, Yeah, somebody says everybody's situation

631
00:27:48,560 --> 00:27:50,160
Speaker 3: is different. It is okay to help in a way

632
00:27:50,160 --> 00:27:52,280
Speaker 3: that suits your lifestyle and your own position, which I

633
00:27:52,320 --> 00:27:55,360
Speaker 3: think is a great take. Somebody else said building your

634
00:27:55,359 --> 00:27:59,240
Speaker 3: own wealth gives you options later and models financial independence

635
00:28:00,119 --> 00:28:03,000
Speaker 3: completely agree with totally. Someone else said a lump sum

636
00:28:03,160 --> 00:28:05,639
Speaker 3: is only useful if they have the financial literacy to

637
00:28:05,720 --> 00:28:10,000
Speaker 3: use it wisely and spend it on learning instead. Yes,

638
00:28:10,119 --> 00:28:12,439
Speaker 3: so true. Someone else said, why are people judging you?

639
00:28:12,440 --> 00:28:14,440
Speaker 3: You're a single mum, probably doing the best you can.

640
00:28:14,680 --> 00:28:18,760
Speaker 3: You do you, yes, seriously, completely agree. Somebody else said,

641
00:28:18,800 --> 00:28:20,800
Speaker 3: I'm saving money to give to my little one because

642
00:28:20,840 --> 00:28:22,639
Speaker 3: I'm also afraid that they will be in a much

643
00:28:22,720 --> 00:28:25,440
Speaker 3: worse financial position than we are. Somebody else said setting

644
00:28:25,440 --> 00:28:27,080
Speaker 3: yourself up to be able to support your kids is

645
00:28:27,119 --> 00:28:29,520
Speaker 3: your top priority and you're doing great, which I completely

646
00:28:29,600 --> 00:28:33,600
Speaker 3: agree with. And lastly, somebody said, my parents' poor financial

647
00:28:33,600 --> 00:28:37,120
Speaker 3: position is more stress than any gift they ever could

648
00:28:37,200 --> 00:28:40,160
Speaker 3: have given me, which is a great point. Like, you've

649
00:28:40,240 --> 00:28:42,280
Speaker 3: got to get yourself sorted first, because if you do,

650
00:28:43,080 --> 00:28:44,920
Speaker 3: it means that you can look after yourself and you

651
00:28:44,960 --> 00:28:47,080
Speaker 3: won't need to rely on your children either.

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00:28:47,440 --> 00:28:50,240
Speaker 4: Exactly. That is very true. But yes, exactly, as Jess said,

653
00:28:50,240 --> 00:28:52,400
Speaker 4: do the best with what you've got and if you

654
00:28:52,440 --> 00:28:55,280
Speaker 4: can do, if you can't, don't do and you should

655
00:28:55,400 --> 00:28:56,760
Speaker 4: never be shamed for that.

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00:28:56,960 --> 00:28:58,640
Speaker 3: No, there's lots of mum shaming going on in the

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00:28:58,640 --> 00:29:00,640
Speaker 3: world right now. I like it.

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00:29:00,720 --> 00:29:03,360
Speaker 4: The other parent is out there somewhere. What are they

659
00:29:03,360 --> 00:29:05,400
Speaker 4: putting the way? Are they putting away money?

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00:29:05,400 --> 00:29:08,440
Speaker 3: Maybe they are. You're doing great, Queen to leave it

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00:29:08,480 --> 00:29:10,400
Speaker 3: for this week. Thank you so much for sending in

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00:29:10,440 --> 00:29:12,360
Speaker 3: your thoughts. As always, we love to hear it. We

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00:29:12,400 --> 00:29:14,040
Speaker 3: do these on Instagram every week, so if you're not

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00:29:14,040 --> 00:29:16,400
Speaker 3: following us there, definitely check it out or so you

665
00:29:16,400 --> 00:29:19,560
Speaker 3: can subscribe now on Spotify. Leave us a comment or

666
00:29:19,560 --> 00:29:21,440
Speaker 3: a question so we can answered the winning of the

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00:29:21,480 --> 00:29:23,960
Speaker 3: next episode. But thank you guys so much for listening,

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00:29:24,080 --> 00:29:26,880
Speaker 3: and Victoria, we'll see you bright early on Monday. Somebody

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00:29:26,960 --> 00:29:28,480
Speaker 3: dary by guys Fine.

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Speaker 5: The advice shared on She's on the Money is general

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00:29:34,920 --> 00:29:38,760
Speaker 5: in nature and does not consider your individual circumstances. She's

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00:29:38,840 --> 00:29:42,280
Speaker 5: on the Money exists purely for educational purposes and should

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00:29:42,320 --> 00:29:45,480
Speaker 5: not be relied upon to make an investment or financial decision.

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00:29:45,880 --> 00:29:48,120
Speaker 3: If you do choose to buy a financial.

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00:29:47,680 --> 00:29:51,640
Speaker 5: Product, read the PDS TMD and obtain appropriate financial advice

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00:29:51,720 --> 00:29:55,320
Speaker 5: tailored towards your needs. Victoria Devine and She's on the

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Speaker 5: eight nine